The bank card starting with 621336 is the special Huinong card (debit card) of Agricultural Bank of China. The following are the card numbers of major banks: China Construction Bank's card number begins with 6227, Agricultural Bank of China's card number begins with 6228, Bank of China's card number begins with 6216 or 6013, Industrial and Commercial Bank of China's card number begins with 6222, China Everbright Bank's card number begins with 6282, and Ping An Bank's card number begins with is 6029, and the Industrial Bank card number starts with 6229 or 4864. Card classification method: Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether they give the cardholder a credit limit. In addition, bank cards can also be divided into magnetic stripe cards and chip cards according to different information carriers; divided into domestic cards and overseas cards according to whether the issuer is in the country; divided into personal cards and corporate cards according to different issuing objects; divided into different account currencies. They are RMB cards, foreign currency cards and dual-currency cards.
1. Debit card
Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.
Debit card (debit card) can be used for consumption online or at POS, or transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.
2. Credit card
Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.
3. Credit card
Credit card, often called a credit card, refers to a certain credit limit granted by the issuing bank to the cardholder. The cardholder can A credit card where you spend within the credit limit first and repay later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.
4. Quasi-credit card
A quasi-credit card is a single-currency, single-account credit card that bears interest on deposits and settles purchases with the card in RMB. It has the functions of transfer settlement, deposit and withdrawal Cash, credit consumption, online banking transactions and other functions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.
Quasi-credit card is a type of credit card with Chinese characteristics. There is no such type of credit card abroad. In the late 1980s, China's banking industry introduced credit card products from abroad. Because China's personal credit system was not very perfect at that time, the Chinese banking industry made certain changes to foreign credit card products. The traditional foreign credit card policy of no interest on deposits and an interest-free period for overdrafts was changed to one with interest on deposits and no interest-free period for overdrafts.
A quasi-credit card has some functions of both a credit card and a debit card. It generally requires a deposit or a guarantor. When using it, you deposit first and then consume, and interest is calculated on the deposit. Cardholders can make small overdrafts within the limit approved by the card issuer when making purchases, but interest will be calculated on the overdraft amount from the date of overdraft, and the balance must be paid off in one go. There is no interest-free repayment period and minimum repayment amount. The basic functions are transfer settlement and shopping consumption.